Ikhadi lokubambisa liyithatha kwi-akhawunti yakho yasebhanki kwaye ikhadi lekhredithi liyityhalela kumgca wakho wekhredithi.
Yintoni iKhadi lokuTyala?
Amakhadi e-Debit anikezela ukulungelelwa kwekhredithi kodwa asebenze ngendlela eyahlukileyo. Amakhadi e-Debit akha imali ngqo kwi- akhawunti yakho yokujonga xa uthenga. Benza oku ngokubeka intonga kwixabiso lokuthenga. Emva koko umrhwebi uthumela kwintengiselwano kwibhanki yakhe kwaye idluliselwa kwi-akhawunti yabarhwebi. Ingathatha iintsuku ezimbalwa ukwenzela ukuba oku kwenzeke, kwaye ibamba liyakunqamuka ngaphambi kokuba usebenze. Ngesi sizathu, kubalulekile ukugcina ibhalansi ehambayo ye-accoun yakho yokukhangela ukuqinisekisa ukuba awuyi kukhishwa ngengozi i-akhawunti yakho. Kunokwenzeka ukuba wenze njalo ngekhadi lokubambisa. Uya kuba ne-PIN yokusetyenziswa kunye nekhadi lakho lokubambisa kwiivenkile okanye ii-ATM. Nangona kunjalo, ungasebenzisa kwakhona ikhadi lakho lokubambisa ngaphandle kwePIN kwintengiso yabathengisi abaninzi, uya kuthi usayine iirisithi njengokuba uza kuba nekhadi lesikweletu.
- Ikhadi lokudityaniswa liboshwe ngqo kwi-akhawunti yakho yokukhangela.
- Ingasetyenziselwa apho i-credit card ingasetyenziswa khona.
- Ngokuqhelekileyo, uya kusebenzisa iPIN yakho ukugqiba ukuthengiselana.
Yintoni iKhadi leMatyala?
Ikhadi lesikweletu likhadi elivumela ukuba ubole imali ngexabiso elincinci kumashishini angingqi. Usebenzisa leli khadi ukwenza iinkonzo zakho ezisisiseko .
Ikhamera yekhadi lekhredithi ke ihlawulise inzala ekuthengeni kwakho, nangona kukho ixesha lobomi lobungakanani malunga neentsuku ezingamashumi amathathu ngaphambi kokuba inzala ityala ukuba awuyi kuthatha ibhalansi yakho ukusuka kwenyanga ukuya kwenyanga. Amakhadi enetyala anemivuzo ephezulu kwaye ithathwa njengomgca wekhredithi oya kuwusebenzisa kwakhona emva kokuwuhlawula. Ibhalansi yekhadi lakho lesikweletu kunye nomlando wokuhlawula unokuchaphazela amanqaku akho.
- Ikhadi lekhredithi ngumgca wekhredithi ongafikelela kuyo ngekhadi lakho.
- Ngokuqhelekileyo, kufuneka ulisayine le nto yokuthenga (ngaphandle kwempompo yegesi okanye ixabiso elincinci kwi-window-window).
- Uya kuhlawula umrhumo ekuthengeni okwenziweyo ukuba awuhlawulwa kwiintsuku ezingamashumi amathathu.
Amakhadi ezithintelo ngeCredit Cards
Kwixesha elidlulileyo abaninzi abantu babecinga ukuba ufuna ikhadi lokuthenga ngetyala lokugqiba izinto ezithile ezifana nokuqeshisa imoto okanye ukuthenga izinto kwi-intanethi. Kwakhona babecinga ukuba kwakukhuselekile kwaye kulula ukuhamba ngekhadi lesikweletu kunokuba ithwale imali okanye uzame ukusebenzisa i-checkbook yakho. Nangona kunjalo amakhadi enkonzo abonelela ngokufanayo ngaphandle kokuboleka imali ukuze uzalise ukuthengiswa. Kungaba nzima ukuchonga ixesha lokusebenzisa ikhadi lokuthenga ngetyala okanye ikhadi lokukhwabanisa . Abanye bathi ikhadi lekhredithi linika inshuwalense eyongezelelweyo xa kuthengwa kwaye yenza kube lula ukucela ukubuyiselwa imali okanye ukubuya.
Kufuneka ufunde ngokucophelela ulwazi lokudalula kwikhadi lakho lekhredithi ukuqonda inzuzo.
Ukukhetha iKhadi eliPhezulu leMeko
Kungcono ukusebenzisa ikhadi lakho lokubambisa nanini na kunokwenzeka, kuba kuya kukuthintela ngokungahambi ngokukhawuleza ukuwela kumgibe wekhadi lesikweletu . Xa unokuhlawula imali yezinto ezininzi, wenza ngcono imali. Ezinye iarhente zeenqwelo zemoto kunye neehotele zisenokucela ikhadi lekhredithi ngaphezu kwekhadi lokudityaniswa ngenxa yokuba bafuna ukuba nekhadi apho banokukuhlawula khona umonakalo kwipropati yabo. Qiniseka ukuba ukhangele ihotele okanye i-arhente ngaphambi kokuba uhambe ukuze uqinisekise ukuba ungasebenzisa ikhadi lakho lokubambisa endaweni yekhadi lakho lesikweletu.
Abanye abantu baya kugxeka ukusebenzisa ikhadi lekhredithi kwininzi yezithengi ukuzisebenzisela iiprogram zokuvuza ngekhadi lesikweletu . Oku kusebenzayo xa uhlawula ibhalansi ngokupheleleyo ngenyanga.
Nangona kunjalo, ukuba awukwazi, awuyi kuzuza ngokwaneleyo ukulungiselela umvuzo. Iinkampani zemboleko zemali zinikeza imivuzo njengenkuthazo yokuba usebenzise ikhadi lekhredithi kwaye akayi kukwenza oko xa belahlekelwa yimali kwiintengiso.
- Cinga ukusebenzisa amakhadi ekwereta kwiindawo zokubhuka zehotele kunye nokuqashisa imoto.
- Ukuthengwa kwansuku zonke, ikhadi lakho lokubambisa linokunceda unamathele kubhajethi yakho.
- Ukuba uya kusebenzisa inzuzo, qiniseka ukuba uhlawule ibhalansi ngokupheleleyo ngenyanga.
Ukukhusela iMali Yakho
Bobabini ikhadi lekhredithi kunye neebhanki zinemingcipheko efanayo xa kuziwa kubusela. Ukuba ulwazi lwakho lwekhredithi okanye ikhadi lesekhredithi liye lahleka , kufuneka uqhagamshelane nebhanki yakho ngokukhawuleza. Kumele uthathe amanyathelo angaphezulu kwaye uqaphele ingxelo yakho yekhredithi ukuqinisekisa ukuba ubunikazi bakho abubiwe, Kubalulekile ukuba uhlole iingxelo zakho kwenyanga nganye ukuqinisekisa ukuba unokukwazi ukubona zonke iindleko. Iibhanki zinciphisa ubude bexesha ongayichaza inkohlakalo yokukhwabanisa kwi-akhawunti. Ibhanki iya kumisa i-akhawunti kwaye ikukhuphe ikhadi elitsha xa uxela ukuba ikhadi libiwe okanye ubona ukuthengiswa okungagunyaziswanga.